Whose auto insurance pays my PIP benefits when I'm hit as a pedestrian?

Severe burns frequently leave permanent scarring and disfigurement, and Michigan law treats those consequences as their own distinct category of compensable harm — not merely an afterthought to medical bills. A thorough burn injury claim pursues:

• Past and future medical expenses, including burn-center hospitalization, skin grafting, and reconstructive procedures that may continue for years.
• Permanent disfigurement and scarring as a separate non-economic damage, distinct from pain and suffering.
• Pain and suffering, reflecting both the acute pain of treatment and the chronic pain that often persists.
• Loss of enjoyment of life when scarring, mobility limitations, or disfigurement permanently change the victim's relationships, activities, and self-image.
• Psychological harm, including PTSD, anxiety, and depression, with associated treatment costs.
• Loss of earning capacity when physical limitations or disfigurement affect the victim's ability to maintain their prior employment.
• Loss of consortium for spouses and family members.

Photographing the injury at every stage and working with life-care planners and reconstructive specialists is essential. Call 810-234-3667 for a free consultation.

One of the most challenging aspects of a mild traumatic brain injury (mTBI) case is that standard CT scans and conventional MRIs often appear normal even when the patient is experiencing significant cognitive, emotional, and physical symptoms. Insurance companies seize on those "normal" scans to argue that there is no real injury. Building a credible TBI case requires layered evidence:

• Neurological evaluation by a qualified neurologist who documents the clinical presentation and objective findings.
• Neuropsychological testing, which produces standardized, quantifiable measurements of memory, attention, processing speed, and executive function compared to population norms.
• Advanced imaging such as diffusion tensor imaging (DTI) and specialized MRI sequences that can detect axonal injury and white matter damage missed by conventional scans.
• Functional and vocational assessments documenting the impact on work and daily activities.
• Lay witness testimony from family, friends, and coworkers describing observable changes in personality, behavior, or capability after the injury.

A daily symptom journal and consistent treatment record also help. Call 810-234-3667 for a free consultation.

Spinal cord injuries often require a lifetime of care, and a settlement that only covers expenses incurred so far is rarely sufficient. A properly documented spinal cord injury claim accounts for:

• Past and future medical care, including emergency treatment, surgery, hospitalization, ongoing specialist care, and management of secondary conditions such as pressure injuries, infections, and respiratory issues.
• Rehabilitation and therapy, including physical therapy, occupational therapy, and rehabilitation programs.
• Assistive technology — power wheelchairs, communication devices, and ventilators that may need to be replaced multiple times over a lifetime.
• Home and vehicle modifications, including ramps, widened doorways, roll-in showers, and adapted vehicles.
• Attendant care, whether provided by family or professional caregivers.
• Lost wages and loss of earning capacity across the victim's expected working life.
• Pain and suffering, loss of enjoyment of life, and loss of consortium for the victim and their family.

Building a thorough life care plan with medical, vocational, and economic experts is essential. Call 810-234-3667 for a free consultation.

Pedestrians struck by a motor vehicle in Michigan are entitled to Personal Injury Protection (PIP) benefits under the No-Fault Act, even though they were not in a vehicle. Which insurer pays follows a strict priority hierarchy:

• The pedestrian's own auto insurance, if they have a policy in their own name.
• The auto insurance of a resident relative who lives in the same household.
• The auto insurer of the vehicle that struck the pedestrian, when no household coverage is available.
• The Michigan Assigned Claims Plan (MACP), as a last resort.

PIP can cover medical expenses, a portion of lost wages, replacement services, and attendant care. In addition, a pedestrian injured by a negligent driver can bring a third-party claim for pain and suffering and other non-economic damages, subject to Michigan's serious-impairment threshold. The priority rules can be confusing — and insurers sometimes try to push coverage onto a different policy than the one legally responsible. Call 810-234-3667 for a free consultation.

Bicycles are not motor vehicles under Michigan's No-Fault Act, but injured cyclists struck by a motor vehicle are entitled to Personal Injury Protection (PIP) benefits. Coverage flows through a priority hierarchy:

• The cyclist's own auto insurance policy, if they own one.
• The auto policy of a resident relative living in the same household.
• The auto insurer of the vehicle that struck the cyclist, when no household coverage is available.
• The Michigan Assigned Claims Plan (MACP), as a last resort when no other coverage applies.

PIP benefits can cover reasonable and necessary medical expenses, wage loss, replacement services, and attendant care. Separately, a cyclist injured by a negligent driver may bring a third-party claim against that driver for pain and suffering and excess economic damages, subject to Michigan's serious-impairment threshold. Cyclists frequently face unfair blame from insurers and police reports — having an experienced attorney involved early protects your claim. Call 810-234-3667 for a free consultation.

In Michigan, a catastrophic injury is one that causes long-term or permanent impairment, dramatically alters the victim's life, and typically requires extensive medical care. Common examples include:

• Traumatic brain injuries (TBI) and severe concussions with lasting cognitive effects.
• Spinal cord injuries, paralysis (paraplegia or quadriplegia), and serious neck or back trauma.
• Amputations or loss of use of a limb.
• Severe burns, disfigurement, and permanent scarring.
• Multiple bone fractures or internal organ damage requiring surgery.
• Vision or hearing loss resulting from the incident.

Under Michigan's No-Fault Act, victims who suffer a serious impairment of body function may also pursue a third-party claim against the at-fault driver for pain and suffering, lost wages beyond statutory limits, and other non-economic damages. Because catastrophic cases often involve lifetime care, lost earning capacity, and complex medical evidence, it is critical to work with attorneys experienced in valuing and litigating these claims.

Under the Michigan Wrongful Death Act, the claim is typically brought by the estate's personal representative on behalf of eligible family members — generally spouses, children, parents, grandparents, and siblings. Recoverable damages can include:

• Medical, hospital, funeral, and burial expenses tied to the incident and death.
• Conscious pain and suffering the decedent experienced between the injury and death.
• Lost financial support the decedent would have provided to the family.
• Loss of society and companionship, including guidance, care, and affection.
• Exemplary damages in appropriate cases for mental anguish and related harm.

Wrongful death claims can arise from auto, truck, and motorcycle crashes, medical malpractice, unsafe property conditions, dog attacks, defective products, and other negligent acts. Strict deadlines apply — contact an attorney promptly. Call 810-234-3667 for a free consultation.

The steps you take in the hours and days following an accident can have a major impact on both your health and your legal case. We recommend the following:

• Seek medical attention right away, even if your injuries seem minor — some symptoms appear days later, and prompt care creates a clear medical record linking the incident to your injury.
• Document the scene with photos and video of the location, any hazards, vehicle damage, visible injuries, and weather or lighting conditions.
• Get contact information for witnesses, and — in vehicle crashes — for other drivers and their insurance.
• Report the incident to the police, property manager, or other appropriate authority and request a copy of any report.
• Do not give a recorded statement to an insurance adjuster, and do not sign a release or settlement document, until you have spoken with an attorney.
• Preserve evidence, including damaged clothing, footwear, vehicles, or the product involved.
• Contact an experienced injury attorney before critical deadlines and evidence disappear.

Call 810-234-3667 to speak with Hamo Law Firm about your case.

Michigan's deadlines for filing a claim — known as the statute of limitations — vary depending on the type of case:

• Most negligence-based personal injury claims, including many auto, truck, motorcycle, premises liability, and dog bite cases, must be filed within three (3) years of the date of injury.
• Medical malpractice claims generally must be filed within two (2) years of the act or omission, or six (6) months from the date the injury was (or should have been) discovered, whichever is later — subject to an overall six-year cap in most situations.
• Wrongful death claims are generally governed by the statute of limitations that would have applied to the underlying injury.
• No-Fault PIP benefits and dram shop claims carry their own short written-notice requirements that can be as brief as 120 days.

Missing a deadline can bar your claim entirely. If you think you may have a case, contact an attorney as soon as possible. Call 810-234-3667 for a free consultation.

At Hamo Law Firm, we handle personal injury matters on a contingency fee basis, which means you pay nothing up front and owe no attorney's fees unless we recover compensation for you. Your initial case review is always free and confidential, so you can speak with an attorney about the facts of your case and your legal options without any financial risk.

This applies across all of our practice areas — automobile, truck and motorcycle crashes, medical malpractice, premises liability, dog bites, wrongful death, No-Fault disputes, and other serious injury matters. Call 810-234-3667 to schedule a free consultation.